$0
CLEAR CUT
DEBT LAB
THE CLEAR CUT WAY TO END YOUR DEBT
Now Available on Google Play · App Store Coming Soon

It all
pays off.

The smarter way to manage your credit cards. Track every balance, set your payoff goal, and get a clear cut plan to get every card to zero.

🤖 Download on Google Play 🍎 App Store — Coming Soon
Clear Cut Debt Lab
✦ PRO
◎ Overview
▤ Cards
◈ Payoff
⬡ Budget
Total Credit Card Debt
$3,797
6 cards tracked
Overall Utilization 58%
0% 29% goal 100%
Min / Month
$205
Cards at Goal
2/6
Util Goal
29%
Credit Card 1
23% · ✓ At Goal
Credit Card 2
58% · High
$0.
The goal for every card
10
Cards tracked in Pro
29%
Default utilization goal
$6.99
Per month for Pro
Features

Everything your
cards need.

Clear Cut Debt Lab is built specifically for credit cards — not loans, not budgets, not your whole financial life. Just your cards, done right.

📊
Utilization Rings
Every card shows a live ring — color coded to your personal goal. A tiny tick mark shows exactly where your target sits. Get every ring green.
🎯
Set Your Own Goal
Choose your utilization target — 10%, 20%, 29%, or anywhere in between. The whole app responds to your goal, not a one-size-fits-all number.
❄️
Payoff Strategies
Snowball or Avalanche — we calculate your debt-free date, total interest cost, and show you exactly which card to attack first.
💰
Budget Lab
Set your monthly budget and allocate payments live. Tap "Hit My Goal" to auto-fill the exact amount needed to reach your target on every card at once.
📅
Closing Date Alerts
Cards closing soon are flagged automatically so you can time your payments and stay on track every single month.
How It Works

From debt to done
in four steps.

1
Add your cards
Enter each card's balance, credit limit, APR, minimum payment, and statement closing date. Takes about 2 minutes. No bank linking, no data sharing — everything stays on your device.
2
Set your utilization goal
Pick your personal target — 10%, 20%, 29%, anywhere you want. The app colors every ring and calculates every payment based on your goal, not a generic one.
3
Control your card destiny
Set your personal utilization goal and see exactly what to pay on each card to hit it. You decide the target. The app shows you the path.
4
Follow your payoff plan
Choose Snowball or Avalanche. Enter your monthly budget. Get your attack order, your debt-free date, and a timeline to zero. Then watch every ring turn green.
Loved By Users

Real results.
Real people.

★★★★★
"I love how this app allows me to see all of my credit cards in one place."
Eunice B. — Google Play Review
★★★★★
"Hit My Goal button in Budget Lab is everything. One tap and it fills in exactly what I need to pay on each card. My balances are finally going in the right direction."
Brian H. — Google Play Review
Pricing

Start free.
Go Pro when you're ready.

7-day free trial on Pro. Cancel anytime. No credit card required to start.

Free
$0
forever
✓ 1 credit card
✓ Utilization ring
✓ Payoff calculator
✕ Up to 10 cards
✕ Payoff strategies
✕ Budget lab
✕ Closing date alerts
⭐ Most Popular
Pro Monthly
$6.99
per month · 7-day free trial
✓ Up to 10 credit cards
✓ All utilization rings
✓ Snowball & Avalanche plans
✓ Budget lab + Hit My Goal
✓ Closing date alerts
✓ Custom utilization goal
✓ Payoff timeline
Pro Annual
$59.99
per year · save 28%
✓ Everything in Pro Monthly
✓ 2 months free vs monthly
✓ $5.00/month effective rate
LIMITED  Lifetime deal $34.99 — first 90 days only

Your debt-free date
is closer than you think.
The clear cut way to end your debt.

Start free. Add your first card in under 2 minutes.

🤖 Download on Google Play 🍎 App Store — Coming Soon

⚠️ For organizational and entertainment purposes only. Clear Cut Debt Lab is not a financial institution, lender, credit counselor, or regulated financial service. All calculations and projections are estimates based on information you provide. Not financial advice. Consult a qualified financial professional before making financial decisions.  ·  Privacy Policy  ·  Terms of Service

Privacy Notice
What we collect: If you create an account, we collect your email address. Card data you enter (balances, limits, APR) is stored locally on your device and in our encrypted database solely to power the app's features. We do not sell, share, or use your financial data for any purpose other than displaying it back to you.
What we don't collect: We never collect your actual credit card numbers, bank account information, Social Security number, or any payment credentials. Subscription payments are processed entirely by Google Play — we never see your payment details.
Your rights: You can request deletion of your account and all associated data at any time by emailing privacy@clearcutdebtlab.com. We will process your request within 30 days. This app is intended for users 18 and older.
⚠️ For organizational and entertainment purposes only. Clear Cut Debt Lab is not a financial institution, lender, credit counselor, or regulated financial service. Not financial advice. Consult a qualified financial professional for decisions specific to your situation.  ·  Full Privacy Policy  ·  Terms of Service